Foreclosure Laws by State

StateJudicialNon-JudicialCommentProcess Period(days)Publish Sale(days)Redemption Period(days)Sale/NTS
AlabamaJudicial rarely49-7421365Trustee
AlaskaJudicial rarely10565365Trustee
ArizonaJudicial rarely90+4130-180Trustee
ArkansasBoth7030365Trustee
CaliforniaJudicial rarely11721365Trustee
ColoradoJudicial rarely14560NoneTrustee
ConnecticutJudicial only62NACourt DecidesCourt
DelawareJudicial only170-21060-90NoneSheriff
FloridaJudicial only135NANoneCourt
GeorgiaJudicial rarely3732NoneTrustee
HawaiiBoth22060NoneTrustee
IdahoTrustee Sale15045365Trustee
IllinoisJudicial only300NA90Court
IndianaJudicial only261120NoneSheriff
IowaTrustee Sale Voluntary1603020Sheriff
KansasJudicial only13021365Sheriff
KentuckyJudicial only147NA365Court
LouisianaJudicial only180NANoneSheriff
MaineJudicial only2403090Court
MarylandJudicial only4630Court DecidesCourt
MassachusettsJudicial only7541NoneCourt
MichiganNon-Judicial only603030-365Sheriff
MinnesotaNon-Judicial mostly90-1007180Sheriff
MississippiNon-Judicial mostly9030NoneTrustee
MissouriNon-Judicial mostly6010365Trustee
MontanaTrustee Sale mostly15050NoneTrustee
NebraskaJudicial only142NANoneSheriff
NevadaTrustee Sale mostly11680NoneTrustee
New HampshireNon-Judicial only5924NoneTrustee
New JerseyJudicial only270NA10Sheriff
New MexicoJudicial only180NA30-270Court
New YorkJudicial only445NANoneCourt
North CarolinaNon-Judicial mostly11025NoneSheriff
North DakotaJudicial only150NA180-365Sheriff
OhioJudicial only217NANoneSheriff
OklahomaJudicial mostly186NANoneSheriff
OregonTrustee Sale mostly15030180Trustee
PennsylvaniaJudicial only270NANoneSheriff
Rhode IslandNon-judicial mostly6221NoneTrustee
South CarolinaJudicial only150NANoneCourt
South DakotaJudicial mostly1502330-365Sheriff
TennesseeNon-judicial only40-4520-25730Trustee
TexasNon-Judicial mostly27NANoneTrustee
UtahNon-Judicial Only142NACourt DecidesTrustee
VermontJudicial only95NA180-365Court
VirginiaTrustee Sale mostly4514-28NoneTrustee
WashingtonTrustee Sale mostly13590NoneTrustee
Washington D.C.Trustee Sale only4718NoneTrustee
West VirginiaTrustee Sale only60-9030-60NoneTrustee
WisconsinJudicial mostly290NA365Sheriff
WyomingNon-judicial mostly602590-365Sheriff